Become debt-free,
without the guesswork.
Paydown shows you exactly which debt to pay next, how much interest you'll save, and the precise date you'll be free. See your plan in 2 minutes — no signup needed.
Free to explore · No card required · Supports ₹ $ £ AED CA$ A$ S$
Debt-free by
March 2029
₹1,24,000 interest saved with Avalanche
The Paydown method
Understand → decide → see impact → track → free.
STEP 1
Understand your debt
Add every loan and card in one calm view — balances, rates and minimums.
STEP 2
Know what to pay next
A clear recommendation on which debt to attack first to save the most.
STEP 3
See the impact
Watch your debt-free date and interest saved change before you commit.
STEP 4
Track your progress
Record payments and see balances, progress and timeline update instantly.
Two proven strategies. One clear recommendation.
Paydown compares Debt Avalanche and Debt Snowball side by side, then tells you exactly which debt to prioritise — and how much you'll save.
Compare my strategiesAvalanche strategy
Mathematically minimise interest by targeting your highest-rate debt first.
Snowball strategy
Build momentum with quick wins by clearing your smallest balance first.
What-If calculator
Test extra monthly or one-time payments and see months and interest melt away.
Private & secure
Your numbers stay yours. No bank linking, no selling data — just clarity.
Your debt-free date is closer than you think.
Build your personalised plan in two minutes. Save it when you're ready.
Start free